JONES BANK

203 So. 6th Street
Seward, NE 68434

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5473
Date Established 1883
Assets $0.24 billion
Loans $0.15 billion
Deposits $0.19 billion
Capital $0.03 billion

JONES BANK is an FDIC insured institution located in Seward, NE. It was founded in 1883 and has approximately $0.24 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of JONES BANK's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1,000 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.65% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
Special: 15 Mo CD
2.15% $500 - Learn MoreShow Less
18 Mo CD
1.30% $500 - Learn MoreShow Less
24 Mo CD
1.75% $500 - Learn MoreShow Less
30 Mo CD
2.00% $500 - Learn MoreShow Less
36 Mo CD
2.10% $500 - Learn MoreShow Less
48 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.35% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.25% $100 $499 Learn MoreShow Less
Special: 15 Mo FIRA
2.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
2.40% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $1 $1,499 Learn MoreShow Less
Int Ckg
0.15% $1,500 - Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for JONES BANK

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.408% 3.375% 0.38 $1,020 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to JONES BANK
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Branches

JONES BANK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


JONES BANK Locations


Financial Details

JONES BANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of JONES BANK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
JONES BANK U.S. Bank Average
0.72% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, JONES BANK had $206,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,163,000 in equity and $2,421,000 in loans loss reserves. That gives it a Texas Ratio of 0.72%.

Return on Equity
JONES BANK U.S. Bank Average
14.55% 9.50%

JONES BANK has a Return on Equity of 14.55% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
JONES BANK U.S. Bank Average
10.83% 12.76%

JONES BANK has a Capitalization of 10.83% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

JONES BANK Balance Sheet Analysis

As of June 30, 2019, JONES BANK had assets of $241,621,000, loans of $148,835,000, and deposits of $191,691,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.22 billion
LIABILITIES
Total deposits $0.19 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.19 billion
      % insured (estimated) 82.61%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.22 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in JONES BANK’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, JONES BANK’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.11
Multifamily
Mortgages
0.83
Credit Card Loans 0.00
Consumer Auto Loans 1.63
Small Business Loans 6.64
Construction and Development Loans 5.50
Commercial Real Estate 8.11
Commercial and Industrial Loans 20.49
Farm Loans 23.90

Frequently Asked Questions About Jones Bank

Branches and Savings

Is Jones Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5473.

Why does Jones Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Jones Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Jones Bank a commercial bank?

Yes

Where are Jones Bank locations?

See branch locations nearby.

Is Jones Bank open on Saturdays?

Is Jones Bank open on Sundays?

What time does Jones Bank open?

What time does Jones Bank close?

Are Jones Bank ATMs Open 24/7?

Do Jones Bank ATMs accept cash deposits?

Can Jones Bank customers use other ATMs?

Do Jones Bank branches have notaries?

Will Jones Bank notarize my document?

What address for Jones Bank should I put for incoming ACH transfers?

Will the Jones Bank branch print checks?

Do Jones Bank checks expire?

Does Jones Bank require US citizenship to open account?

Can Jones Bank close my account?

Does Jones Bank Report to credit bureaus?

Does Jones Bank Use Equifax?

What is Jones Bank's ACH Routing Number?

What is Jones Bank's SWIFT code?

Products

Does Jones Bank offer mortgages?

Compare mortgage rates here.

Does Jones Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Jones Bank offer personal loans?

Compare personal loan rates here.

Does Jones Bank offer student loans?

Will Jones Bank cash a check?

Will Jones Bank redeem a savings bond?

Does Jones Bank cash savings bonds?

Will Jones Bank cash money orders?

Can Jones Bank issue a money order?

Does Jones Bank do currency exchange?

Background on The Bank

Who owns Jones Bank?

How long has Jones Bank been around?

Can Jones Bank transfer to other banks?

Does Jones Bank have quick pay?

Does Jones Bank accept rolled coins?

Will Jones Bank accept loose change?

Where is Jones Bank headquarters?

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